| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $10K | 7.50% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 6.86% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $2K | — | $2K | 3.08% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $588 | — | $588 | 1.17% |
| RUSSELL W WALLIN3 | 4 MIDPARK DR BRICK, NJ 08724 | AFLAC | $525 | — | $525 | 1.05% |
| BRAD CLINTON3 | 41 WILSON AVE E RIVERDALE, NJ 07457 | AFLAC | $512 | — | $512 | 1.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD 4TH FLR PHILADELPHIA, PA 19125 | AFLAC | $350 | — | $350 | 0.70% |
| JENISE RUSSO3 | 97 THE CIR PASSAIC, NJ 07055 | AFLAC | $271 | — | $271 | 0.54% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $237 | — | $237 | 0.47% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 PISCATAWAY, NJ 07004 | AFLAC | $192 | — | $192 | 0.38% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $115 | — | $115 | 0.23% |
| ROBERT FREDERIC ALLAN3 Filed as: ROBERT P DEVILLA | 6401 KENNEDY BLVD E APT B1 WEST NEW YORK, NJ 07093 | AFLAC | $99 | — | $99 | 0.20% |
| CHRISTOPHER STROUD3 | 1332 MONMOUTH AVE TOMS RIVER, NJ 08757 | AFLAC | $88 | — | $88 | 0.18% |
| TRAVIS M ALDERMAN3 | 39 RIVER RD FLANDERS, NJ 07836 | AFLAC | $80 | — | $80 | 0.16% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $27 | — | $27 | 0.05% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D'AGOSTINO | 87A BOOREAM AVE JERSEY CITY, NJ 07307 | AFLAC | $27 | — | $27 | 0.05% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 17 OAK LN RANDOLPH, NJ 07417 | AFLAC | $16 | — | $16 | 0.03% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $16 | — | $16 | 0.03% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT. ARLINGTON, NJ 07856 | AFLAC | $15 | — | $15 | 0.03% |
| AMY K FOY3 | 804 MCCOY RD FRANKLKIN LAKES, NJ 07417 | AFLAC | $11 | — | $11 | 0.02% |
| MARIA MULLER3 | 277 BALDWIN ST APT 424 GLEN RIDGE, NJ 07028 | AFLAC | $7 | — | $7 | 0.01% |
| JUDITH S KASS3 | 47 MORNING WATCH RD WAYNE, NJ 07470 | AFLAC | $6 | — | $6 | 0.01% |
| YAJAIRA SUAREZ3 | 430 CHESTNUT AVE SOUTH HACKENSACK, NJ 07606 | AFLAC | $4 | — | $4 | 0.01% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NC 08234 | AFLAC | $3 | — | $3 | 0.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. DBA BENEFIT M | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON INSURANCE COMPANY | $875 | — | $875 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 28 | $50K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $128K |
| Vision | HORIZON INSURANCE COMPANY | 85 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $128K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $128K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.